David Lawrence Ramsey is an American radio show host, author, and businessman. He graduated from the College of Business Administration at University of Tennessee, where he earned a Bachelor of Science degree in Finance and Real Estate. His syndicated radio program, The Dave Ramsey Show, is heard on more than 500 radio stations throughout the United States and Canada. Below are influential Dave Ramsey quotes. Dave Ramsey quotes will help you become a better person.

Check out 78 best Dave Ramsey Quotes.

78 Inspirational Dave Ramsey Quotes

Dave Ramsey Quotes (1)

1. “We buy things we don’t need with money we don’t have to impress people we don’t like.” – Dave Ramsey

2. “Your money needs to work for you, not lie around you.” – Dave Ramsey

3. “Work – get paid; don’t work – don’t get paid. Everybody is on commission.” – Dave Ramsey

4. “Broke people giving financial advice is like a shop teacher with missing fingers.” – Dave Ramsey

5. “Rich isn’t an amount of money, it’s a mindset about how you live. If you believe you can win, you can.” – Dave Ramsey

6. “The goal is to not be normal, because as my radio listeners know, normal is broke.” – Dave Ramsey

7. “What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.” – Dave Ramsey

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8. “If you will live like no one else, later you can live like no one else.” – Dave Ramsey

9. “Debt gives you the ability to look like you’re winning when you’re not.” – Dave Ramsey

10. “The average millionaire can’t tell you who got thrown off the island last night.” – Dave Ramsey

11. “The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.” – Dave Ramsey

12. “Making mistakes and learning from them is crucial to winning.” – Dave Ramsey

13. “There’s not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.” – Dave Ramsey

14. “The first step in taking control of your money is to stop borrowing money. Start using cash today.” – Dave Ramsey

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15. “A budget is telling your money where to go instead of wondering where it went.” – Dave Ramsey

16. “Work is a surefire money-making scheme.” – Dave Ramsey

17. “I would not pre-pay. I would invest instead and let the investments cover it.” – Dave Ramsey

18. “There’s a great place to go when you’re broke – to work!” – Dave Ramsey

19. “Your priorities, passions, goals, and fears are shown clearly in the flow of your money.” – Dave Ramsey

20. “Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.” – Dave Ramsey

21. “Debt is dumb. Cash is king.” – Dave Ramsey

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22. “Pray like it all depends on God, but work like it all depends on you.” – Dave Ramsey

23. “Winning at money is 80 percent behavior and 20 percent head knowledge.” – Dave Ramsey

24. “Your greatest asset is your paycheck.” – Dave Ramsey

25. “Someone who never has fun with money misses the point.” – Dave Ramsey

26. “People will not buy from you if they don’t trust you, your product, and your company.” – Dave Ramsey

27. “If you wouldn’t want your mother to buy the item or the service then don’t sell it.” – Dave Ramsey

28. “Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.” – Dave Ramsey

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29. “For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.” – Dave Ramsey

30. “If you will do the things others won’t do then some day you will have the life others won’t have.” – Dave Ramsey

31. “We are being taught by everything around us to have dessert before dinner. Now we are paying for our lack of knowledge and discipline.” – Dave Ramsey

32. “The number one problem that causes student loan debt? Parents that suck.” – Dave Ramsey

33. “Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.” – Dave Ramsey

34. “Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.” – Dave Ramsey

35. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” – Dave Ramsey

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36. “You must gain control over your money or the lack of it will forever control you.” – Dave Ramsey

37. “Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt.” – Dave Ramsey

38. “Parents who let teens run around with unearned adult freedoms are naive and stupid.” – Dave Ramsey

39. “There are no shortcuts when it comes to getting out of debt.” – Dave Ramsey

40. “You can’t work three hours a week and make $100,000.” – Dave Ramsey

41. “You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately!” – Dave Ramsey

42. “Measure your wealth not by the things you have, but by the things for which you would not take money.” – Dave Ramsey

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43. “Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.” – Dave Ramsey

44. “Fun can be bought with money, but happiness cannot.” – Dave Ramsey

45. “Knock out a small debt first so you get a quick win. Momentum is key.” – Dave Ramsey

46. “A typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.” – Dave Ramsey

47. “Savings without a mission is garbage.” – Dave Ramsey

48. “The German root word for ‘debt’ is the same as for ‘guilt.’” – Dave Ramsey

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49. “What you don’t know can kill you. If you don’t know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear – but that doesn’t mean you won’t get killed.” – Dave Ramsey

50. “So content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.” – Dave Ramsey

51. “Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.” – Dave Ramsey

52. “I believe that through knowledge and discipline, financial peace is possible for all of us.” – Dave Ramsey

53. “Humpty Dumpty is hard to put back together – and so is trust.” – Dave Ramsey

54. “No one wins the Super Bowl accidentally. Be intentional. Be Passionate. Don’t mail it in! You got this!” – Dave Ramsey

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55. “Children are sponges – they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.” – Dave Ramsey

56. “If you invest $464 in a good mutual fund every month from age thirty to age seventy, you’ll end up with more than $5 million.” – Dave Ramsey

57. “I like the way I’ve built wealth better than the way you haven’t.” – Dave Ramsey

58. “I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.” – Dave Ramsey

59. “A good man leaves an inheritance to his children’s children.” – Dave Ramsey

60. “There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.” – Dave Ramsey

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61. “Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building! “- Dave Ramsey

62. “The good thing about principles is that they make life easy. I have heard it said that when someone bases his life on principle, 99 percent of his decisions are already made.” – Dave Ramsey

63. “The accountability of a group environment causes people to change their behaviors.”  – Dave Ramsey

64. “A little bit of controlled pain when you’re six will change your life when you’re thirty-six.” – Dave Ramsey

65. “Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.” – Dave Ramsey

66. “I suggest a Money Market account with no penalties and full check-writing privileges for your emergency fund.” – Dave Ramsey

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67. “The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.” – Dave Ramsey

68. “Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.” – Dave Ramsey

69. “There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt.” – Dave Ramsey

70. “Earning a lot of money is not the key to prosperity. How you handle it is.” – Dave Ramsey

71. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.” – Dave Ramsey

72. “Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.” – Dave Ramsey

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73. “It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.” – Dave Ramsey

74. “When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman.” – Dave Ramsey

75. “Goals are visions and dreams with work clothes on.” – Dave Ramsey

76. “Where you are today is the sum of every choice you’ve ever made. If you don’t like where you are, start making different choices!” – Dave Ramsey

77. “We learned early on that if we help enough people, the money will come.” – Dave Ramsey

78. “No one got rich on a government program. Do not choose to be a common man. You can be uncommon.” – Dave Ramsey

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